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FinVolution GroupFRA:PP3 75 Pretax Margin % is 16.02% as of Mar. 2026, which is 46% below its 10-year median of 29.89. GuruFocus rates FRA:PP3 with a GF Score™ of 75/100 and a GF Value™ of €5.03 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 538 Credit Services companies, FinVolution Group ranks worse than 51.86% on this metric.
FinVolution Group (FRA:PP3) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
FinVolution Group Pretax Margin % Related Terms
FinVolution Group Pretax Margin % Historical Data
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The historical data trend for FinVolution Group's Pretax Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:PP3 vs LU, JCAP, WRLD: Pretax Margin % Comparison
For the Credit Services subindustry, FinVolution Group's Pretax Margin %, along with its competitors' market caps and Pretax Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
FinVolution Group Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FinVolution Group's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where FinVolution Group's Pretax Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FinVolution Group (FRA:PP3) has a Pretax Margin % of 16.02% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on FinVolution Group and its competitors. This is 46% below median its historical median of 29.89. Over the past decade, FinVolution Group's Pretax Margin % has ranged from 20.37 to 57.68. According to the industry distribution chart, FinVolution Group ranks #279 out of 538 companies in the Credit Services industry, placing it in the top 51.9%.
Is FinVolution Group's Pretax Margin % too high?
FinVolution Group's current Pretax Margin % of 16.02% is 46% below median its 10-year median of 29.89. Over the past 10 years, this metric has ranged from a low of 20.37 to a high of 57.68. The Credit Services industry median Pretax Margin % is 21.53. FinVolution Group's value of 16.02% is 25.6% below this industry median. Based on the distribution chart, FinVolution Group ranks #279 out of 538 companies in the Credit Services industry, which is below the industry midpoint. Overall, FinVolution Group has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does FinVolution Group's Pretax Margin % compare to LU and JCAP?
According to the Credit Services industry distribution chart, FinVolution Group ranks #279 out of 538 companies for Pretax Margin %. This places FinVolution Group in the lower half of its industry. The industry median Pretax Margin % is 21.53. FinVolution Group's value of 16.02% is 25.6% below this benchmark. Historically, FinVolution Group's own Pretax Margin % has ranged from 20.37 to 57.68 over the past decade. While the company's 10-year median is 29.89 vs. the industry median of 21.53, FinVolution Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Pretax Margin % for a Credit Services company?
The median Pretax Margin % among Credit Services companies is 21.53, based on 538 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FinVolution Group's current Pretax Margin % of 16.02% is 25.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on FinVolution Group and its competitors. For the Credit Services industry, the median Pretax Margin % is 21.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinVolution Group's current Pretax Margin % is 16.02%, which is 46% below median its own 10-year median of 29.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FinVolution Group stock overvalued right now?
Based on GuruFocus' analysis, FinVolution Group (FRA:PP3) is currently considered Modestly Undervalued. The stock's GF Value™ is €5.03, compared to a current price of €3.62 — trading 28% below its estimated fair value. The current Pretax Margin % is 16.02%, which is 46% below median its 10-year median of 29.89 and 25.6% below the Credit Services industry median of 21.53. FinVolution Group's overall GF Score™ is 75/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For FinVolution Group (FRA:PP3), the current Pretax Margin % is 16.02% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is FinVolution Group (FRA:PP3) Overvalued in 2026?
Based on GuruFocus' analysis, FinVolution Group stock appears to be undervalued.
The current stock price of €3.62 is trading 28% below its estimated GF Value™ of €5.03.
GuruFocus considers FinVolution Group to be Modestly Undervalued.
Key valuation signals for FRA:PP3:
Pretax Margin %: 16.02% (46% below median its 10-year median of 29.89)
GF Value™: €5.03 vs. price of €3.62 (28% below fair value)
Industry Position: 25.6% below the Credit Services median (#279 of 538)
No single metric tells the full story. See the FRA:PP3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FinVolution Group is a provider of online consumer finance in China. The company offers various loan products, making financial services available to borrowers anytime, anywhere; designs a loan transaction process, and offers tailored risk-based pricing. It offers short-term loans to borrowers to meet immediate credit needs while allowing them to gradually establish their credit history through activities on the company's platform. The company generates revenues from fees charged to borrowers. The Group's long-lived assets are located in the PRC, and its revenues are derived from within the PRC.
75GF Score
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